No. of Recommendations: 3
Mark19 makes perfect sense.
The point of a 70/30 (or any other balanced portfolio) is that you automatically buy low and sell high... when inflation is moderate.
Nobody here, or in real life, is a gifted stockpicker who will pick the 4% of stocks that contribute to most if the stock market returns. Except in hindsight of course.
One thing worth mentioning is diversification within your fixed income. ST and LT, in ST include a few floating rate ETFs like TFLO and FLOT.
Everyone hopefully knows about stock diversification.
For most of us here, accepting market returns offer the best chance of success. Bitter pill for the ego but sweet for the wallet.
